SoFi (SOFI)
Combines consumer financial services, a national bank and infrastructure for other financial institutions.
$17.15
vs last close+0.18 (+1.03%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 757 | 856 | 849 | 861 | 986 | 1,008 | 1,037 | 1,130 | 1,268 | 1,335 | 1,408 | 1,571 |
| Cost of revenue | 241 | 268 | 270 | 274 | 298 | 281 | 271 | 285 | 316 | 316 | 317 | 366 |
| Gross profit | 515 | 589 | 579 | 587 | 688 | 727 | 766 | 845 | 952 | 1,020 | 1,091 | 1,205 |
| 782 | 538 | 484 | 572 | 624 | 667 | 686 | 733 | 804 | 834 | 892 | 1,001 | |
| Research & development | 0 | 0 | 131 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 188 | 191 |
| 311 | 306 | 313 | 330 | 364 | 390 | 395 | 430 | 475 | 500 | 533 | 609 | |
| Selling & marketing | 187 | 175 | 167 | 185 | 215 | 229 | 238 | 265 | 287 | 306 | 336 | 392 |
| General & administrative | 124 | 132 | 145 | 145 | 149 | 161 | 156 | 165 | 188 | 194 | 198 | 217 |
| Other expenses | 471 | 231 | 41 | 242 | 260 | 277 | 292 | 303 | 329 | 334 | 171 | 200 |
| Operating income | −267 | 51 | 94 | 15 | 64 | 60 | 80 | 112 | 149 | 185 | 200 | 204 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest income | 564 | 645 | 666 | 675 | 723 | 744 | 764 | 792 | 892 | 927 | 1,001 | 1,141 |
| Interest expense | 219 | 256 | 263 | 262 | 292 | 274 | 265 | 275 | 306 | 310 | 308 | 352 |
| Income before tax | −267 | 51 | 94 | 15 | 64 | 60 | 80 | 112 | 149 | 185 | 200 | 204 |
| Income tax expense | 0 | 3 | 6 | −2 | 3 | −273 | 9 | 15 | 9 | 12 | 33 | 48 |
| Net income from continuing operations | −267 | 48 | 88 | 17 | 61 | 332 | 71 | 97 | 139 | 174 | 167 | 157 |
| Net income | −267 | 48 | 88 | 17 | 61 | 332 | 71 | 97 | 139 | 174 | 167 | 157 |
| EPS, basic | −$0.29 | $0.04 | $0.08 | $0.01 | $0.05 | $0.32 | $0.06 | $0.09 | $0.12 | $0.14 | $0.13 | $0.12 |
| EPS, diluted | −$0.29 | $0.04 | $0.02 | $0.01 | $0.05 | $0.30 | $0.06 | $0.08 | $0.11 | $0.13 | $0.12 | $0.12 |
| Weighted average shares, basic | 951 | 963 | 983 | 1,059 | 1,071 | 1,088 | 1,098 | 1,103 | 1,171 | 1,223 | 1,276 | 1,284 |
| Weighted average shares, diluted | 951 | 1,029 | 1,042 | 1,065 | 1,104 | 1,151 | 1,185 | 1,184 | 1,291 | 1,346 | 1,378 | 1,352 |
| EBITDA | −214 | 105 | 143 | 65 | 116 | 113 | 135 | 169 | 208 | 248 | 267 | 204 |
| Depreciation & amortization | 53 | 53 | 49 | 50 | 52 | 54 | 55 | 57 | 59 | 63 | 68 | 0 |
| EBIT | −267 | 51 | 94 | 15 | 64 | 60 | 80 | 112 | 149 | 185 | 200 | 204 |